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Speaker 1: Hey, hey, hey, we're back. We're black, We're brown.

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Speaker 2: I'm Tiffany, I'm Mandy, and I am so disappointed because

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Speaker 2: last week was Juneteenth, and I forgot to mention it,

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Speaker 2: and I even had it in my notes and everything.

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Speaker 2: I'm baddees happy June teens to everybody. Was June teenth,

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Speaker 2: Actually I believe it was it. It used to be

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Speaker 2: specific to the emancipation of slaves in Texas, I believe.

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Speaker 2: But it's almost like it's become this like proxy to

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Speaker 2: celebrate the end of slavery, because there was not really

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Speaker 2: an official holiday for that, right, and so I think

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Speaker 2: that's what it's it's become to symbolize, like largely is

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Speaker 2: like the end of slavery. It's like an opportunity just

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Speaker 2: to be black and fabulous and have cookouts, of which

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Speaker 2: I participated in a nun. So that's a sad Oh, actually,

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Speaker 2: you know, I did. I we went to the Westchester

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Speaker 2: get it, where I live. West just the is known

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Speaker 2: for I don't know. I always had this perception of

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Speaker 2: the suburbs of New York as being like where the

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Speaker 2: brown people stop. But I've been pleasantly surprised, like our

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Speaker 2: neighborhood is so diverse. And they had the African American

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Speaker 2: Heritage Festival like down the street from us, So it

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Speaker 2: was actually just a we have this nice little nature

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Speaker 2: path that we can walk to this like public park

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Speaker 2: where they had the festival, and they had like really

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Speaker 2: good food and it was nice, nice little surprise. What God,

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Speaker 2: that was my Juneteenth?

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Speaker 1: Your Juntee's big big off yourself. Yeah, so both of

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Speaker 1: us had you like message me. Remember you messaged me

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Speaker 1: like we were talking, I think, like post last podcast

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Speaker 1: about your ac quote. Girl, I just got a quote

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Speaker 1: today and I was like, you know what, I'm just

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Speaker 1: gonna be hot girl. They told me sixty thousand dollars.

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Speaker 1: I was like, am I buying a new house? I'm sure?

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Speaker 1: Like what? All right?

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Speaker 2: You know Misery Loves Company. I'm actually kind of excited

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Speaker 2: that you got a terrible bit because then you were

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Speaker 2: telling me your bid was like way less than mine.

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Speaker 2: I was like, you, no, it wasn't.

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Speaker 1: Well, it was just him them, like you know, like

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Speaker 1: our project manager saying that this is what it should

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Speaker 1: be between and I said, oh, okay, so we got

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Speaker 1: such a high bid. I'm like, is that is that?

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Speaker 1: You know? This doesn't sound right? But like I said,

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Speaker 1: he does commercial, so you know, I said, I can't

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Speaker 1: wait for for him to get back from vacation so

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Speaker 1: I can be like, sir, do you know somebody who

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Speaker 1: will do it for fifteen thousand? That's looking good right

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Speaker 1: about now, because honestly, we're not We're not going to

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Speaker 1: pay sixty thousand dolls. We're I mean, we'll just be

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Speaker 1: putting units in the window because this is not our

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Speaker 1: forever house and that's just so much. And that's just

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Speaker 1: ac like we have to get the house rewired, you know,

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Speaker 1: So that's like that's no negotiable. So and I'm assuming

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Speaker 1: that's going to be probably twenty thirty thousand dollars, but

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Speaker 1: that's just something you have to do unless you want

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Speaker 1: to die in a fury of fire, you know, so

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Speaker 1: you trade offs. Yeah, exact exactly. Oh boy, So yeah,

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Speaker 1: I'm not exactly happy right now. So when he came today,

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Speaker 1: we still have a few more quotes to do, but

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Speaker 1: I'm not feeling all that optimistic.

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Speaker 2: Listen, forget all these quotes. Man, We've gotten so many quotes.

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Speaker 2: I'm so at this point, I'm glad that we've sort

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Speaker 2: of taken our time. But the like these people out here.

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Speaker 2: I guess the economy is good and they have a

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Speaker 2: lot of jobs, and I'm very happy for them and

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Speaker 2: their families, But why can't they return calls and show

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Speaker 2: up when they say they're going to show up, Because

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Speaker 2: it's almost like they're like, oh, you need us more

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Speaker 2: than you know we need you, And that is what's

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Speaker 2: been challenging. So anybody out there who's doing a home

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Speaker 2: improvement project, like whether it's small, large, whatever, we are

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Speaker 2: here with you, alongside you.

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Speaker 1: Yes, that's the only thing that's been kind of helped.

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Speaker 1: It's nice like when I post something on social and

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Speaker 1: someone kind of shows me, like sends me like a

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Speaker 1: video of like what they're fixing up. So it's been

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Speaker 1: like a nice little nick community of people who are

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Speaker 1: both excited and dismayed by the prom.

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Speaker 2: I'm thinking, like, I think part of my problem is

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Speaker 2: I think I'm always, i think healthily pessimistic about finances

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Speaker 2: in general. I'm always like, well, what if I break

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Speaker 2: my back and what if you know, we're we're kind

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Speaker 2: of planning on the assumption that everything is going to

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Speaker 2: continue going a certain way, and that is where I'm

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Speaker 2: always in with Like, but this could happen kind of

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Speaker 2: like negative Nancy, and I you know, it's frustrating to

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Speaker 2: my husband because of course he wants like I'm kind

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Speaker 2: of bursting his bubble. He loves this whole thing. He

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Speaker 2: loves this is a dream, He's always wanted this. But

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Speaker 2: I mean, I'm happy to be the negative one because

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Speaker 2: I kind of feel like you need that balance at

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Speaker 2: a certain point. You got to stop agonizing about it

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Speaker 2: and just make a decision with the best information that

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Speaker 2: you have. I'm talking to myself here. Okay, I'm sorry,

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Speaker 2: I'm doing that thing where I have a problem and

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Speaker 2: I'm like talking to myself.

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Speaker 1: Out of it.

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Speaker 3: I do that.

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Speaker 2: Oh or just prey, just pray.

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Speaker 1: No, it's true. And that's we two. Here's the thing

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Speaker 1: that I do. Like that my my, uh it's Blue Design,

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Speaker 1: Blue Blue Design and Development BLU.

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Speaker 2: Like.

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Speaker 1: So, our project manager, one of the things that he

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Speaker 1: talked to us about is really understanding price per square foot,

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Speaker 1: you know, and I didn't really get it before he said,

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Speaker 1: so let's just say, like I think our house is

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Speaker 1: like two thousand, two hundred and fifty square feed right,

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Speaker 1: like of livable space, right, and so there is an

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Speaker 1: average price for square foot in like the section that

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Speaker 1: we live in in Newark. So if we bought the

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Speaker 1: house for one eighty and we put let's just say

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Speaker 1: one hundred thousand dollars worth of work into it, then

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Speaker 1: that's you know, three thousand, three hundred and eighty thousand,

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Speaker 1: and then you divide that by the square foot of

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Speaker 1: the house and you get your price per square foot.

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Speaker 1: So what he's teaching us is as we make decisions,

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Speaker 1: like so that way kind of takes the emotion out

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Speaker 1: of it. How like this is going to increase the

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Speaker 1: you know, like, how is that going to affect the

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Speaker 1: price per square foot? Because that's how an investor thinks,

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Speaker 1: and so it doesn't make sense like, you know, like

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Speaker 1: if we invest sixty thousand dollars in the ac how

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Speaker 1: much of that where are we actually going to get

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Speaker 1: back if we sell? You know, are we going to

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Speaker 1: get back forty thousand? Now, if we were living here forever,

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Speaker 1: I would for sure, I don't know that i'd pay sixty,

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Speaker 1: but we'd find a way to get like central air

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Speaker 1: throughout the house because I'm like, well, we're going to

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Speaker 1: be living here like forever, like you know, barring any

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Speaker 1: major emergency, but we know for a fact that this

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Speaker 1: is not our forever house. We literally won't be here.

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Speaker 1: Our plan is between two and five years maximum, and

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Speaker 1: so it just doesn't make sense to invest that much

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Speaker 1: money because I don't We're just not going to get

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Speaker 1: it back. And when I look around the neighborhood, because

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Speaker 1: that's something I did too, I see next I wonder

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Speaker 1: why there's a lot of really beautiful homes while you

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Speaker 1: don't really see I don't see that much central air.

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Speaker 1: I see a lot of like units in the window,

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Speaker 1: and I'm like, oh, because these homes are built in

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Speaker 1: like nineteen twenties, a lot of the homes in the

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Speaker 1: area where I'm living. And so I understand now because

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Speaker 1: it just doesn't make financial sense to make that level

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Speaker 1: of investment unless it makes the emotional sense of I'm

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Speaker 1: staying here for like a really long time. And so

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Speaker 1: I'm just like yeah, and so like, I mean.

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Speaker 2: It makes perfect sense if you guys are just living

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Speaker 2: in a few years totally listen.

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Speaker 1: Like before it used to be like oh, because you know,

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Speaker 1: you see on HGTV they'll be like, oh, the property

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Speaker 1: brothers reno, will it takes seven weeks?

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Speaker 2: What in the lying I literally throw my shoe at

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Speaker 2: the television. Now I'm like, it's not true.

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Speaker 1: Like that's honestly such a lie because such just waiting

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Speaker 1: for the permit is like a month, yeah, like you know,

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Speaker 1: and so I'm just like, yeah, I mean before when

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Speaker 1: we first bought, we were like, ooh, you know, we'll

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Speaker 1: be in there in a couple of months. Now I'm

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Speaker 1: just like, please, please, little baby Jesus, can we be

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Speaker 1: in by the end of the year. That is my

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Speaker 1: That is my prayer that by the end of the

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Speaker 1: year that I'll be able to sleep into bed. That

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Speaker 1: it's not our apartment, but you know, but either way,

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Speaker 1: it's our's right.

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Speaker 2: Say if you want to make a contractor laugh, make plans,

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Speaker 2: isn't that how that goes? No, Okay, listen, we have

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Speaker 2: to talk about this.

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Speaker 1: We have to.

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Speaker 2: I'm demanding it because it really struck my heart this

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Speaker 2: article in the New York Times that I read over

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Speaker 2: the weekend about how in two thousand, what years is

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Speaker 2: twenty eighteen, women are still like pregnancy discrimination against women

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Speaker 2: in the workplace is still rampant. And the reason this,

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Speaker 2: of course struck my attention is, I mean, I think

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Speaker 2: it's no secret that you're obviously thinking about starting a family.

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Speaker 2: I know you don't have a traditional job, but I do,

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Speaker 2: and I think about this all the time, not necessarily

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Speaker 2: because I'm trying to get pregnant tomorrow, but I feel

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Speaker 2: like to be a woman like there. People just don't

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Speaker 2: understand what it's like. I mean, when you when you

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Speaker 2: when you purposefully know you have to plan your career

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Speaker 2: around this, you know, giving creating life and creating a

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Speaker 2: human and not only does that change your body dramatically,

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Speaker 2: but then after that, like when the baby is born,

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Speaker 2: understanding that you're only going to be able to spend

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Speaker 2: so much time with it because of your career and

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Speaker 2: trying to plan around that. It's just like it's almost

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Speaker 2: like you're in it alone as a woman, like you're

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Speaker 2: if your employer is not supporting you. And people always

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Speaker 2: talk about, you know, why should we have maternity you know,

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Speaker 2: why should we pay for maternity benefits for someone who

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Speaker 2: is purposefully you know, getting pregnant on their own time,

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Speaker 2: you know, not on the workplace or whatever. You know,

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Speaker 2: why should we provide those benefits? And I it's just

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Speaker 2: astounding to me that in twenty eighteen, there's still women

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Speaker 2: who are getting passed over for promotions like this. You

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Speaker 2: have to read this article passover for promotions, demoted or

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Speaker 2: just outright fired or laid off the minute they either

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Speaker 2: request maternity leave or let someone know that they're pregnant.

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Speaker 2: Like the most heartbreaking story this one woman named Tisha

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Speaker 2: who worked at Walmart I think in Jacksonville, Florida. She

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Speaker 2: was working in I think the bakery or the like,

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Speaker 2: the prepared food section. She used to have to lift

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Speaker 2: these heavy boxes, like you know, all the time as

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Speaker 2: part of her day to day work. And her doctor,

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Speaker 2: when she became pregnant with her fourth child, said, you know,

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Speaker 2: because of this pregnancy you've had pain before, you need

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Speaker 2: to not lift anything more than twenty pounds. And she

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Speaker 2: went to her manager and the manager said, and this

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Speaker 2: is what she says. Her manager says that, I don't know,

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Speaker 2: back in the early two thousands or the nineties, like

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Speaker 2: Demi Moore, the actress, I don't know, she used to

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Speaker 2: she did an interview on like David Letterman when she

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Speaker 2: was really pregnant, and apparently she did gymnastics. So her

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Speaker 2: manager's response to Otisha was, well, Demi Moore is over

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Speaker 2: on TV doing gymnastics while she's pregnant, Like, why can't

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Speaker 2: you lift a box?

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Speaker 1: That's just so honestly so ignorant, Like to me, it

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Speaker 1: just shows why more women need to be in positions

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Speaker 1: of power in in corporate America or otherwise, or whether

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Speaker 1: owning a business or whatever, because that doesn't even make

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Speaker 1: any sense. It's so crazy because when we had our

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Speaker 1: when we had I think it was three women on

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Speaker 1: our team had like babies. Literally, it was like a

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Speaker 1: baby in November, a baby in December, a baby in January.

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Speaker 1: And I didn't even have like a time frame. I mean,

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Speaker 1: I guess because we're also we're small still, but it

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Speaker 1: was just we knew it was happening obviously because we

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Speaker 1: were all excited and everybody on the team has a buddy,

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Speaker 1: and the only request was prep your buddy to be

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Speaker 1: able to take care of your your core deliverables. And

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Speaker 1: sometimes it met like tamor who's our manager for the

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Speaker 1: Liberature Academy. Tambora had such a big position, so she

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Speaker 1: prepped three people to do her full role, and I

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Speaker 1: didn't give her a time frame. I was like, come

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Speaker 1: on back when you're ready, and I think she was

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Speaker 1: gone for like a month, and a half and she's like,

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Speaker 1: I think I want to come back now, and we

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Speaker 1: were like, okay, I mean not to say. I mean,

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Speaker 1: I'm sure it's like become a bigger company, it'll be

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Speaker 1: a little bit more structured. But I it's just so

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Speaker 1: crazy to me that you would request for Like why

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Speaker 1: should a woman have to choose? Like, you have a mom, right,

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Speaker 1: You're here as a result of your mom somehow making

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Speaker 1: a way to have you. I just don't understand why

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Speaker 1: people don't see the connection between the fact that you

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Speaker 1: have someone gave birth to you and other people are

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Speaker 1: giving birth as well, and to provide a space for

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Speaker 1: that to happen in a way that doesn't jeopardize them

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Speaker 1: being able to take care of their family.

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Speaker 2: Well, it's the stigma around becoming pregnant or becoming a

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Speaker 2: mother too, that that is what I think does damage,

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Speaker 2: Like the stigma. So someone who requests time off because

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Speaker 2: they have childcare gaps or their kid is sick is

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Speaker 2: looked down upon and some by some employers or some

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Speaker 2: managers more negatively than someone who asked time off because

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Speaker 2: they hurt their back or they got sick over the weekend.

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Speaker 2: Like there's just a stigma around it, like, oh, you know,

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Speaker 2: they're not as committed.

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Speaker 1: I mean.

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Speaker 2: This article cites a study that shows that for every

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Speaker 2: child a woman has, it takes away four percent of

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Speaker 2: for hourly wages, while men somehow increase their way just

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Speaker 2: by six percent when they become follers. It just doesn't

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Speaker 2: it just doesn't compute. I don't know. I'm just getting

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Speaker 2: like the error message on a calculator where it's just

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Speaker 2: like zero zero zero zero zero, and it's just, uh,

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Speaker 2: it's sad because you do.

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Speaker 1: I don't know.

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Speaker 2: I'm maybe I'm like crazy, but I want to believe

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Speaker 2: that I can have a great career and have a

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Speaker 2: kid and that it won't Maybe I'm just naive, but

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Speaker 2: I don't want to believe that my choice to start

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Speaker 2: a family would it would hurt my career, you know,

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Speaker 2: or make people think of me differently. I don't know.

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Speaker 2: There's no women also working above me at my job.

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Speaker 2: My direct manager is a man, an amazing man. Love him.

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Speaker 1: He's great.

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Speaker 2: I don't I don't foresee any issues. But that's everyone

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Speaker 2: I look at my company. Every single one above me

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Speaker 2: unless you unless you switch over to HR is a

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Speaker 2: white male yeap like one hundred percent. And you know,

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Speaker 2: I don't think my two I don't. I know that

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Speaker 2: my direct manager doesn't have kids, and there's not a

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Speaker 2: lot of people on my team who have kids. So

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Speaker 2: I think I might be like a freak of nature,

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Speaker 2: like when I, you know, finally pop out a kid

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Speaker 2: or something, it's gonna be like uncharted territory. I think

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Speaker 2: for our team. But uh, I think whether my managers

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Speaker 2: we haven't obviously discussed it. I don't think it's anything

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Speaker 2: you need to discuss beforehand, But I think about it

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Speaker 2: when I'm laying out my plan a year or two

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Speaker 2: from a year or two from now, Like, do I

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Speaker 2: have someone who can do what I do while I'm away?

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Speaker 1: You know?

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Speaker 2: Do we have systems in place where if I were

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Speaker 2: to be gone for a few months, like the whole

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Speaker 2: place when it comes crashing down?

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Speaker 1: Yeah, that's systems. That's the part that makes it the

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Speaker 1: you know, systems and backups make everything possible, you know.

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Speaker 1: So yeah, I remember when Tammver came back, She's like, Wow,

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Speaker 1: it's like you guys didn't even need me. I'm like, oh,

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Speaker 1: we always need because we do. But it was just

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Speaker 1: nice then, like everything didn't fall you know didn't go

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Speaker 1: to to Helen hand basket because she was in there

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Speaker 1: because she'd done such a good job with training folks.

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Speaker 1: But it didn't mean that we didn't need her. So

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Speaker 1: it was just nice all around to know that, because

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Speaker 1: this is the thing I always say, even for the

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Speaker 1: women that work for me, like our big thing is

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Speaker 1: no one should feel because we've all felt like this.

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Speaker 1: No one should feel like they're not able to get

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Speaker 1: sick or go on vacation or you know, like no

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Speaker 1: one on the team should feel that like that. You

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Speaker 1: have to like, if I don't do it, what's going

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Speaker 1: to happen? So everyone, it's mandated you have your backup folks,

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Speaker 1: including me, including my business partner. He just brought on

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Speaker 1: his brother, so we have two guys now, woo. He

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Speaker 1: just brought on his brother to be his backup. Because

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Speaker 1: it was like, no one should feel like, Okay, you

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Speaker 1: know that my presence, I don't care death or not.

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Speaker 1: I must be present. And I think that helps a

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Speaker 1: lot with allowing people to know that, like, well, your

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Speaker 1: job is secure, but you know you're able to be

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Speaker 1: a human being. But yeah, I'm glad you brought this

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Speaker 1: up though, cause I think a lot of people are listening, like,

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Speaker 1: I wish my job, and there are jobs out there

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Speaker 1: that have that. It's just they might not be super

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Speaker 1: easy to spot, but there are jobs that allow for that.

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Speaker 1: And that's something you're gonna want to ask. In my twenties,

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Speaker 1: I think any of your twenties, you know, for the

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Speaker 1: most part, I didn't really think about things like this.

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Speaker 1: It's not until I hit my thirties that I thought

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Speaker 1: about things like insurance and time, you know, time away

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00:16:18,360 --> 00:16:29,320
Speaker 1: and that kind of stuff. Now that we've buzzed you

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00:16:29,400 --> 00:16:32,600
Speaker 1: up with our buss worthy, are you ready to break

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Speaker 1: your boost?

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Speaker 3: I have a really exciting boost. Well exciting for me, okay,

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00:16:37,160 --> 00:16:39,360
Speaker 3: go for it. Well it's not super exciting, it's just

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Speaker 3: exciting because I' Nigerian. I just want to say, super egos,

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Speaker 3: don't you worry.

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Speaker 1: So right now, the World Cup is going on, and

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Speaker 1: for those of you in the United States, you're like,

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Speaker 1: what's that because you know you don't watch soccer, but

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Speaker 1: the whole world watched soccer. Were literally like the only

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Speaker 1: country that's not super into soccer. And I'm not gonna lie,

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Speaker 1: I'm not super into soccer, but being Nigerian in this time,

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Speaker 1: of year when when Nigeria plays soccer is huge in

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Speaker 1: Africa and Central America and South America and everywhere. Honestly,

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Speaker 1: so Nigeria one like last week. Sometimes they lost today

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Speaker 1: to Argentino one to two. But I just want to

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Speaker 1: pick up the super egos because they first of all,

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Speaker 1: they got their uniforms. I don't know, have you seen

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Speaker 1: the pictures, Mandy of their new uniforms, like Nigeria's. Yes,

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Speaker 1: well it's only because it became this huge thing. So

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Speaker 1: they're thereby Nike. I can't remember the name of the designer,

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Speaker 1: but there are. They are so so like funky fresh

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Speaker 1: and like they sold out everywhere, and it was like

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Speaker 1: a huge story because it was like Nigeria revealed their

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Speaker 1: new uniforms and they sold out everywhere. People who weren't

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Speaker 1: even into soccer or didn't even you know, weren't wearing

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Speaker 1: them because they were Nigeria uniforms. They sold out because

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Speaker 1: that's just how how like cool they look. And so

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Speaker 1: it was just a huge story that the uniforms that

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Speaker 1: are just amazing, and they are and so if you

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00:18:01,760 --> 00:18:04,480
Speaker 1: have some, it's not easy to get a hold of.

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Speaker 1: But so one for having the dopest uniform of all

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Speaker 1: the World Cup teams and for playing your heart out today, Argentina,

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Speaker 1: you played well. Obviously, Nigeria we did what is it Nigeria? No,

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Speaker 1: did carry last? That just means we never go last,

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Speaker 1: even when we lose. And so yeah, that's my boost.

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Speaker 1: This is my Nigerian team. I can remember being really

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Speaker 1: really little. I think we had made it to the finals.

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Speaker 1: Not really little, maybe I was like in middle school

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Speaker 1: or something, and I just remember like my dad making

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Speaker 1: us all wear like these T shirts he had made,

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Speaker 1: which is crazy, and he was sad.

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Speaker 2: Made your own T shirts, Oh my god, love it.

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Speaker 1: Yeah, no, he made t shirt that was selling them.

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Speaker 1: But we didn't win. So we ended up having like

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Speaker 1: eighty T shirts that I'm sure still in the attic

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Speaker 1: somewhere because he just knew if they won, those T

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Speaker 1: shirts would have been you know, would have sold. But

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Speaker 1: they didn't win. So here we are gambled.

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Speaker 2: He gambled, Yeah he did.

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Speaker 1: But yes, I just want to boost up Nigeria's World Cup.

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Speaker 1: Nigeria is national soccer team. You know, you guys have

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Speaker 1: played well. I don't know if they play again, but

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Speaker 1: you know, hopefully they will and Yeah, that's it. That's

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Speaker 1: my little booth for today.

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Speaker 2: Well booth, that's a good one. I kind of am

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Speaker 2: on team Argentina, so it's sad that they beat you,

394
00:19:16,320 --> 00:19:22,520
Speaker 2: but yay Argentina. It's okay only because I I basically

395
00:19:22,600 --> 00:19:24,879
Speaker 2: just am on the team of whoever, like whatever country

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Speaker 2: I've been to that I like the most, and I

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Speaker 2: Argentina was the first country where I ever like watched soccer,

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Speaker 2: so I have a little little soft spot for them.

399
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Speaker 2: But uh, that's cool. I'm sure their uniforms are way

400
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Speaker 2: uglier than Nigeria.

401
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Speaker 1: So this is true. Do we have any good questions?

402
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Speaker 2: We do have some questions. If you guys want to

403
00:19:40,720 --> 00:19:43,200
Speaker 2: send us some questions, you can head to Brown Ambition

404
00:19:43,320 --> 00:19:48,560
Speaker 2: Podcast dot com. Got it this week? You can send

405
00:19:48,640 --> 00:19:51,200
Speaker 2: us an email directly at brann or sorry not at

406
00:19:51,440 --> 00:19:54,680
Speaker 2: send us an email directly at Brown Ambition Podcast at

407
00:19:54,720 --> 00:19:56,080
Speaker 2: gmail dot com.

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Speaker 1: You just did it again at how do I do well?

409
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Speaker 2: I had to say that time that at meant like

410
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Speaker 2: at at not like you know, like it was a

411
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Speaker 2: necessary at necessary preposition? Is that a proposition?

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Speaker 1: All right? Whatever? Good question?

413
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Speaker 2: We have a couple of good questions. One comes from

414
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Speaker 2: listener Kamiko. What a pretty pretty name. She says, Oh,

415
00:20:15,520 --> 00:20:17,800
Speaker 2: this is really funny. She says, I am two seconds.

416
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Speaker 2: I guess we missed her. Then she said, I am

417
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Speaker 2: two seconds away from taking out a personal loan with Sofi.

418
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Speaker 2: I went to Magnify Money, Oh hi, thank you, and

419
00:20:25,520 --> 00:20:28,080
Speaker 2: used the personal loan comparison chart, and then went a

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Speaker 2: step further to do some comparisons based on the answers

421
00:20:30,960 --> 00:20:34,200
Speaker 2: to my questions. So we have a personal loan comparison

422
00:20:34,280 --> 00:20:36,720
Speaker 2: chart where you can put in basically how much debt

423
00:20:36,800 --> 00:20:39,520
Speaker 2: you have, and then what type of loan you could

424
00:20:39,520 --> 00:20:41,439
Speaker 2: take out and how much you would save if you

425
00:20:41,480 --> 00:20:44,240
Speaker 2: consolidated your debt with a new loan. So she used

426
00:20:44,240 --> 00:20:48,200
Speaker 2: this calculator cool. So her math said that she can

427
00:20:48,240 --> 00:20:51,159
Speaker 2: take out a twenty thousand dollars loan, and this is

428
00:20:51,160 --> 00:20:53,719
Speaker 2: a Sofi loan. Twenty thousand dollars was Sofi at eight

429
00:20:53,800 --> 00:20:57,800
Speaker 2: point seventy five percent APR for three years, leaving her

430
00:20:57,840 --> 00:21:01,600
Speaker 2: there just one monthly payment of about six hundred dollars.

431
00:21:01,720 --> 00:21:04,080
Speaker 2: Her plan is to use that twenty thousand dollars loan

432
00:21:04,440 --> 00:21:07,800
Speaker 2: to pay off several debts, including a couple of credit cards,

433
00:21:07,960 --> 00:21:12,240
Speaker 2: her auto loan and a personal loan on a monthly basis,

434
00:21:12,240 --> 00:21:14,439
Speaker 2: this would save for four hundred dollars and over the

435
00:21:14,480 --> 00:21:20,320
Speaker 2: course of three years she would save over fourteen thousand dollars. Yes,

436
00:21:20,760 --> 00:21:24,400
Speaker 2: but she says she is hesitating. She says, why am

437
00:21:24,400 --> 00:21:25,119
Speaker 2: I hesitating?

438
00:21:25,200 --> 00:21:25,800
Speaker 1: I don't know.

439
00:21:25,720 --> 00:21:28,800
Speaker 2: What the issue is. So I thought this was interesting

440
00:21:28,840 --> 00:21:32,240
Speaker 2: because it just shows like even when the math is

441
00:21:32,320 --> 00:21:34,639
Speaker 2: showing you that the answer is right, and again, like,

442
00:21:35,040 --> 00:21:37,160
Speaker 2: at the end of the day, this is your decision.

443
00:21:37,200 --> 00:21:38,879
Speaker 2: You have to make a decision that's best for you.

444
00:21:39,400 --> 00:21:45,280
Speaker 2: But when the math speaks facts, one must listen. I

445
00:21:45,320 --> 00:21:47,800
Speaker 2: think on paper, based on what you've told me, Yes,

446
00:21:47,840 --> 00:21:51,760
Speaker 2: it absolutely would make sense for you to consolidate those

447
00:21:51,800 --> 00:21:53,760
Speaker 2: three types of debt she has. She says she wants

448
00:21:53,840 --> 00:21:57,920
Speaker 2: to consolidate credit cards, a car note, and another personal loan.

449
00:21:58,680 --> 00:22:02,119
Speaker 2: I mean, so long as those rates on those debts

450
00:22:02,119 --> 00:22:05,400
Speaker 2: are higher than the eight point seventy five percent APR

451
00:22:05,560 --> 00:22:09,080
Speaker 2: on this personal loan with so fi, I can't think

452
00:22:09,119 --> 00:22:10,119
Speaker 2: of a reason why not to.

453
00:22:11,280 --> 00:22:14,679
Speaker 1: Yes, And I mean I get it because sometimes I

454
00:22:14,720 --> 00:22:18,080
Speaker 1: get like that too, when like I, you know, you

455
00:22:18,080 --> 00:22:20,880
Speaker 1: you're struggling for so long, and you find a solution

456
00:22:21,160 --> 00:22:24,880
Speaker 1: that's like so amazing, and you're like, wait, so there's

457
00:22:25,000 --> 00:22:29,400
Speaker 1: like this hesitation and it kind of paralyzes you even

458
00:22:29,440 --> 00:22:31,359
Speaker 1: though you know in your head, okay, this makes sense.

459
00:22:31,640 --> 00:22:35,159
Speaker 1: So that's okay to feel like that. But girl, I

460
00:22:35,240 --> 00:22:38,800
Speaker 1: want you to think before maybe this will help. Before

461
00:22:38,920 --> 00:22:41,119
Speaker 1: I come into any sort of like money or like

462
00:22:41,200 --> 00:22:44,480
Speaker 1: savings or anything, I like to create the new budget

463
00:22:44,840 --> 00:22:47,280
Speaker 1: before the money comes, so like, I'll go back to

464
00:22:47,320 --> 00:22:49,520
Speaker 1: my budgets. I always keep it in like an Excel spreadsheet,

465
00:22:49,560 --> 00:22:51,280
Speaker 1: so that way it's easy to fix. I go back

466
00:22:51,520 --> 00:22:54,120
Speaker 1: into my budget and I do the new numbers. So

467
00:22:54,160 --> 00:22:57,040
Speaker 1: that way, by the time that I'm able to like

468
00:22:57,080 --> 00:22:59,879
Speaker 1: that that new four hundred, it's not reabsorbed back in

469
00:23:00,160 --> 00:23:02,840
Speaker 1: everyday life. It's already been allocated. Because I'm working on this.

470
00:23:03,080 --> 00:23:05,720
Speaker 1: I'm working from this new budget that I created. So

471
00:23:05,760 --> 00:23:08,439
Speaker 1: maybe do that so that way you're like, okay with

472
00:23:08,440 --> 00:23:11,360
Speaker 1: this four hundred, maybe two hundred will go to savings

473
00:23:11,400 --> 00:23:13,000
Speaker 1: and whatever it else you're gonna do with it, but

474
00:23:13,400 --> 00:23:16,280
Speaker 1: allocate that money out so it's not it's so easy

475
00:23:16,280 --> 00:23:18,280
Speaker 1: for money to be reabsorbed back into your day to

476
00:23:18,359 --> 00:23:20,879
Speaker 1: day life. So just create a new budget, allocate that

477
00:23:20,920 --> 00:23:24,560
Speaker 1: four hundred dollars a month out into specific places. Automate

478
00:23:24,600 --> 00:23:28,159
Speaker 1: those allocations, and girl, get your coin and.

479
00:23:28,240 --> 00:23:31,280
Speaker 2: Three years you're gonna have fourteen thousand dollars saved. Yeah,

480
00:23:31,320 --> 00:23:33,280
Speaker 2: like that is real money we're talking. Maybe you know

481
00:23:33,320 --> 00:23:34,920
Speaker 2: what I think it might be too. It's like when

482
00:23:34,960 --> 00:23:36,439
Speaker 2: you have a little bit of debt here and a

483
00:23:36,440 --> 00:23:38,040
Speaker 2: little bit of debt there, and a little bit you know,

484
00:23:38,080 --> 00:23:40,440
Speaker 2: on different credit cards or loans or whatnot, it doesn't

485
00:23:40,480 --> 00:23:43,000
Speaker 2: feel like that much. And maybe what's freaking her out

486
00:23:43,119 --> 00:23:45,359
Speaker 2: is a twenty thousand dollars loan, Like if that's how

487
00:23:45,400 --> 00:23:48,479
Speaker 2: much her combined debts are, okay, And maybe it's like

488
00:23:48,520 --> 00:23:51,280
Speaker 2: this whole this one new loan with twenty thousand dollars.

489
00:23:52,240 --> 00:23:54,440
Speaker 2: Maybe it's what is making a little bit more real

490
00:23:54,440 --> 00:23:56,400
Speaker 2: for her, But it doesn't mean doesn't change the fact

491
00:23:56,440 --> 00:23:58,600
Speaker 2: that you already have that much debt. It's just that

492
00:23:58,640 --> 00:24:01,480
Speaker 2: it's spread across different and there's maybe some kind of

493
00:24:01,480 --> 00:24:05,960
Speaker 2: like psychological reason why it feels like more. But I'm

494
00:24:06,320 --> 00:24:09,880
Speaker 2: that Sofi wise, I mean, check out I can. I'll

495
00:24:09,920 --> 00:24:12,640
Speaker 2: send you a link. But Magnified Money has a thorough

496
00:24:12,680 --> 00:24:18,320
Speaker 2: review on Sofi's products. They started out big in student

497
00:24:18,359 --> 00:24:20,840
Speaker 2: loan refinancing, and now they've gotten into all kinds of

498
00:24:20,880 --> 00:24:25,119
Speaker 2: different products. They do mortgages now like personal loans. I

499
00:24:25,480 --> 00:24:27,639
Speaker 2: haven't heard anything to tell me that Sofi is not

500
00:24:27,720 --> 00:24:31,600
Speaker 2: a good lender. I also know that they have They have,

501
00:24:31,920 --> 00:24:38,000
Speaker 2: which is uncommon for private lenders, some protections like if

502
00:24:38,040 --> 00:24:42,000
Speaker 2: you lose your job or you run into financial issues,

503
00:24:42,160 --> 00:24:44,480
Speaker 2: they will tend to work with you. I think they

504
00:24:44,520 --> 00:24:48,640
Speaker 2: even match barrowers too. They'll try and help you find

505
00:24:48,680 --> 00:24:50,479
Speaker 2: a new job if you lose your job. They have

506
00:24:50,560 --> 00:24:55,480
Speaker 2: some sort of like career uh plate not placement, I forget.

507
00:24:55,480 --> 00:24:58,440
Speaker 2: I don't want to miss, you know, misrepresent what they offer,

508
00:24:58,480 --> 00:25:00,679
Speaker 2: but some sort of career service. If you lose your

509
00:25:00,760 --> 00:25:03,000
Speaker 2: job or if you fall in hard times, you can

510
00:25:03,040 --> 00:25:04,639
Speaker 2: work with them. So they're willing to work with you

511
00:25:04,800 --> 00:25:08,640
Speaker 2: versus traditional private lenders. He'd be like, and where's my check?

512
00:25:10,480 --> 00:25:13,399
Speaker 1: Yeah? I mean, honestly, yeah, I think I First of all,

513
00:25:13,400 --> 00:25:15,359
Speaker 1: I never heard that that's awesome that so far does that,

514
00:25:15,400 --> 00:25:19,000
Speaker 1: because most places don't. And so yeah, honestly me too.

515
00:25:19,000 --> 00:25:21,960
Speaker 1: I haven't really heard anything negative about so Fine, So

516
00:25:23,520 --> 00:25:27,280
Speaker 1: that's honestly awesome. You don't, it's rare that in finances

517
00:25:27,359 --> 00:25:30,399
Speaker 1: that you get like a big win like that, It

518
00:25:30,520 --> 00:25:32,680
Speaker 1: just doesn't happen. Usually you're like yay, and I say

519
00:25:32,760 --> 00:25:34,879
Speaker 1: two dollars a month that you're like okay, you know,

520
00:25:35,680 --> 00:25:37,199
Speaker 1: so what you can get a big win like that?

521
00:25:37,400 --> 00:25:39,520
Speaker 1: Definitely lean in, be grateful and take advantage.

522
00:25:39,840 --> 00:25:41,879
Speaker 2: Yeah, I felt I loved your tip too of actually

523
00:25:41,920 --> 00:25:44,840
Speaker 2: saving that four hundred dollars versus just letting it get

524
00:25:44,880 --> 00:25:46,679
Speaker 2: reabsorbent to your budget. That's really smart.

525
00:25:47,000 --> 00:25:48,560
Speaker 1: Yeah, well, thank.

526
00:25:48,440 --> 00:25:50,600
Speaker 2: You, miss Kimiko. Let us know what you decided. I

527
00:25:50,600 --> 00:25:53,199
Speaker 2: know we missed you. We only had two seconds a

528
00:25:53,200 --> 00:25:57,639
Speaker 2: few hours ago. We missed you. But hopefully, hopefully you

529
00:25:57,800 --> 00:25:59,520
Speaker 2: made a decision that you're happy with and you're on

530
00:25:59,560 --> 00:26:04,760
Speaker 2: your way to freedom. Yes, all right, next question. I

531
00:26:04,800 --> 00:26:11,680
Speaker 2: believe this is an anonymous question, so mysterious. Okay, some mysterious.

532
00:26:11,720 --> 00:26:13,720
Speaker 2: This is actually this is an anonymous I love the

533
00:26:14,240 --> 00:26:17,000
Speaker 2: da I always want to know how people choose their pseudonyms.

534
00:26:17,000 --> 00:26:20,720
Speaker 2: So this is from Janet, quote unquote. Janet says, I'm

535
00:26:20,720 --> 00:26:23,679
Speaker 2: interested in knowing what your thoughts are on the idea

536
00:26:23,680 --> 00:26:26,960
Speaker 2: of a parent or another adult establishing credit for a child.

537
00:26:27,320 --> 00:26:30,080
Speaker 2: Is this necessary? And how young is too young to

538
00:26:30,119 --> 00:26:32,480
Speaker 2: make a child an authorized user on a credit card.

539
00:26:32,720 --> 00:26:35,080
Speaker 2: Did either of your parents start your credit history for

540
00:26:35,160 --> 00:26:37,040
Speaker 2: you before you were able to start it on your own.

541
00:26:37,480 --> 00:26:39,639
Speaker 2: What do you feel are the benefits or cons to

542
00:26:39,760 --> 00:26:43,920
Speaker 2: starting to build a credit history for a young preteen child.

543
00:26:46,600 --> 00:26:48,760
Speaker 1: I don't know that you need to be a preteen

544
00:26:48,920 --> 00:26:50,400
Speaker 1: child to start credit.

545
00:26:50,720 --> 00:26:52,920
Speaker 2: I felt that you can be an authorized user as

546
00:26:52,920 --> 00:26:53,480
Speaker 2: a preteen.

547
00:26:53,920 --> 00:26:56,480
Speaker 1: I don't think. I think. I want to say that

548
00:26:57,119 --> 00:26:59,399
Speaker 1: you can kind of start some sort of financial history

549
00:26:59,440 --> 00:27:01,959
Speaker 1: as young as sixteen. I think because I remember that's

550
00:27:01,960 --> 00:27:06,800
Speaker 1: when I got my joint like savings account with my dad.

551
00:27:07,440 --> 00:27:10,400
Speaker 1: And I'm almost positive that because back then you can

552
00:27:10,480 --> 00:27:12,480
Speaker 1: literally put like, you know, the cable on the baby's name,

553
00:27:12,520 --> 00:27:14,639
Speaker 1: and you can't do that anymore. You can't do that

554
00:27:14,680 --> 00:27:18,960
Speaker 1: anymore so and it's honestly not necessary. So my dad

555
00:27:19,800 --> 00:27:24,239
Speaker 1: helped me to start my my credit journey when I

556
00:27:24,359 --> 00:27:28,080
Speaker 1: was seventeen. I was going away to college, and he

557
00:27:28,160 --> 00:27:29,560
Speaker 1: was like, you know, go ahead and get you a

558
00:27:29,560 --> 00:27:30,919
Speaker 1: credit card. And I think he had put me on

559
00:27:30,960 --> 00:27:32,960
Speaker 1: as an authorized user on one of his cards, and

560
00:27:33,000 --> 00:27:34,840
Speaker 1: he like schooled me on what kind of credit card

561
00:27:34,920 --> 00:27:38,600
Speaker 1: to get no annual fee, you know, look for like

562
00:27:38,720 --> 00:27:40,800
Speaker 1: zero percent percentage rate. I could put my books on

563
00:27:40,800 --> 00:27:42,399
Speaker 1: it and he would pay it off every month. I

564
00:27:42,440 --> 00:27:45,080
Speaker 1: don't think you need to start sooner than like sixteen seventeen,

565
00:27:45,720 --> 00:27:47,520
Speaker 1: because like what is your what is your kid buying?

566
00:27:47,600 --> 00:27:50,320
Speaker 1: You know, because the purpose of credit, like I say,

567
00:27:50,400 --> 00:27:52,080
Speaker 1: like they're really young and they're really old, don't need

568
00:27:52,119 --> 00:27:55,119
Speaker 1: credit unless you are on credit. The purpose of credit

569
00:27:55,200 --> 00:27:57,359
Speaker 1: is to leverage so you can purchase things that you

570
00:27:57,400 --> 00:27:59,960
Speaker 1: might not you might not be able to purchase in care.

571
00:28:00,960 --> 00:28:02,880
Speaker 1: So if you're eighty and you're not trying to buy

572
00:28:02,920 --> 00:28:05,640
Speaker 1: a car or home, like, well, you know, your credit

573
00:28:05,680 --> 00:28:08,359
Speaker 1: score is not that important necessarily because you're not also

574
00:28:08,359 --> 00:28:12,160
Speaker 1: getting it, you're not getting a new job. And if

575
00:28:12,200 --> 00:28:14,439
Speaker 1: you're like ten, I mean, your credit score is not

576
00:28:14,440 --> 00:28:17,159
Speaker 1: that important. So I would say around sixteen seventeen if

577
00:28:17,200 --> 00:28:21,199
Speaker 1: you're going to start to establish credit early, but preteen, no,

578
00:28:21,640 --> 00:28:24,560
Speaker 1: Like Supergirl is eleven and I'm not thinking about her

579
00:28:24,560 --> 00:28:27,680
Speaker 1: credit score until she gets to be like out of

580
00:28:27,800 --> 00:28:30,119
Speaker 1: high school and then we'll start to make adjustments.

581
00:28:30,760 --> 00:28:35,720
Speaker 2: Good call, Time for one more question? Sure, another question

582
00:28:35,760 --> 00:28:38,880
Speaker 2: from an anonymous listener. She says, Hey, ladies, I have

583
00:28:38,880 --> 00:28:41,959
Speaker 2: a quick question about credit cards with annual fees. I

584
00:28:42,000 --> 00:28:44,880
Speaker 2: currently have two credit cards with cash back rewards and

585
00:28:44,960 --> 00:28:48,560
Speaker 2: want to open a third credit card specifically for travel rewards.

586
00:28:48,800 --> 00:28:51,520
Speaker 2: Thanks to your previous podcasts, I have been able to

587
00:28:51,560 --> 00:28:54,720
Speaker 2: reduce my credit utilization by a drastic number by taking

588
00:28:54,760 --> 00:28:57,360
Speaker 2: out a personal loan and paying off all my balances

589
00:28:57,360 --> 00:29:00,520
Speaker 2: in full. I've been comparing offers for a new card,

590
00:29:00,600 --> 00:29:02,840
Speaker 2: and of course, credit cards with the best rewards come

591
00:29:02,880 --> 00:29:07,040
Speaker 2: with an annual fee. While I want to maximize my rewards,

592
00:29:07,120 --> 00:29:09,080
Speaker 2: I don't like the idea of having to pay for

593
00:29:09,120 --> 00:29:11,400
Speaker 2: a credit card. What are your thoughts on getting a

594
00:29:11,400 --> 00:29:14,000
Speaker 2: credit card with an annual fee or just sticking with

595
00:29:14,040 --> 00:29:18,680
Speaker 2: a free credit card with slightly lower rewards, Anonymous, let's

596
00:29:18,680 --> 00:29:21,560
Speaker 2: say you. I'm going to reread this part, which is

597
00:29:21,560 --> 00:29:25,800
Speaker 2: what caught my eye. I have been extremely or sorry.

598
00:29:26,560 --> 00:29:29,560
Speaker 2: I currently have two credit cards with cash back rewards

599
00:29:29,600 --> 00:29:32,120
Speaker 2: and one to open a third credit card specifically for

600
00:29:32,200 --> 00:29:36,200
Speaker 2: travel rewards. Then, she says she recently was able to

601
00:29:36,240 --> 00:29:39,440
Speaker 2: reduce her utilization on her credit cards by taking out

602
00:29:39,440 --> 00:29:41,880
Speaker 2: a personal loan and paying off her balances in full.

603
00:29:42,480 --> 00:29:45,760
Speaker 2: We're that personal loan at though, like she doesn't say

604
00:29:45,800 --> 00:29:48,120
Speaker 2: if she paid it off or not? OK, And so

605
00:29:48,280 --> 00:29:52,200
Speaker 2: my question was going to be, I would recommend paying

606
00:29:52,200 --> 00:29:55,320
Speaker 2: off the personal loan because you say you paid your

607
00:29:55,360 --> 00:29:57,480
Speaker 2: balance in full on your credit cards, and it may

608
00:29:57,640 --> 00:29:59,840
Speaker 2: it does. Yes, you did that, they're paid in full.

609
00:30:00,080 --> 00:30:03,120
Speaker 2: You still have a new loan, and as long as

610
00:30:03,120 --> 00:30:05,720
Speaker 2: you have that loan out there, I would I would say,

611
00:30:05,760 --> 00:30:07,680
Speaker 2: before you take out a new credit card and start

612
00:30:08,000 --> 00:30:11,280
Speaker 2: worrying about wrecking up rewards, to pay out that credit card,

613
00:30:11,400 --> 00:30:13,760
Speaker 2: pay off that personal loan first, agreed?

614
00:30:13,880 --> 00:30:17,080
Speaker 1: And also two if you so the other two credit

615
00:30:17,080 --> 00:30:20,200
Speaker 1: cards also have annual fees.

616
00:30:20,800 --> 00:30:23,960
Speaker 2: Sounds like they're fee free. She has two fief There

617
00:30:24,000 --> 00:30:26,520
Speaker 2: are fee free cash back rewards cards out there. They

618
00:30:26,560 --> 00:30:29,600
Speaker 2: typically have a lower flat rate cash back, but she

619
00:30:29,680 --> 00:30:32,600
Speaker 2: wants one of these, like, you know, like the Nice

620
00:30:33,120 --> 00:30:33,960
Speaker 2: Chase Apphire.

621
00:30:35,960 --> 00:30:38,480
Speaker 1: Well I'll say this like because honest, that's the first

622
00:30:38,520 --> 00:30:40,959
Speaker 1: credit card I ever had that had a fee, but

623
00:30:41,080 --> 00:30:42,600
Speaker 1: it was worth it to me. So you know, it's

624
00:30:42,640 --> 00:30:45,760
Speaker 1: all about the numbers because I use that card for

625
00:30:45,840 --> 00:30:49,800
Speaker 1: all of my travel. So one, you know, I make

626
00:30:49,840 --> 00:30:52,840
Speaker 1: that money back. So that's the question is if you're

627
00:30:52,880 --> 00:30:55,560
Speaker 1: paying a fee, are you going to make that money back?

628
00:30:55,560 --> 00:30:58,239
Speaker 1: In the reward. So just today, for example, I have

629
00:30:58,400 --> 00:31:01,400
Speaker 1: like two hundred thousand points because I use that card

630
00:31:01,440 --> 00:31:03,720
Speaker 1: so often for travel and all of these things, like

631
00:31:03,840 --> 00:31:06,000
Speaker 1: a bunch of travel stuff for my business. So if

632
00:31:06,040 --> 00:31:08,400
Speaker 1: anybody on my team needs to travel whatever, that's the

633
00:31:08,440 --> 00:31:11,440
Speaker 1: card that we use. And so two hundred thousand points,

634
00:31:11,800 --> 00:31:13,600
Speaker 1: my sister who really wants to come with me to

635
00:31:14,920 --> 00:31:17,320
Speaker 1: Essence Fest, I was able to get and flights are

636
00:31:17,400 --> 00:31:19,400
Speaker 1: ridiculous right now because she went into the last minute

637
00:31:19,440 --> 00:31:22,240
Speaker 1: to decide, and so we were able to get her

638
00:31:22,280 --> 00:31:24,800
Speaker 1: a round trip flight with the points. I think it

639
00:31:24,840 --> 00:31:27,520
Speaker 1: cost me like seventy thousand points, which I'm like, not happy,

640
00:31:27,640 --> 00:31:30,200
Speaker 1: what your sister, I do? I know? And I was

641
00:31:30,240 --> 00:31:32,680
Speaker 1: just like, you know, because normally it probably would have

642
00:31:32,720 --> 00:31:36,320
Speaker 1: been around honestly thirty thousand points. But it's because because

643
00:31:36,320 --> 00:31:38,600
Speaker 1: New Orleans is not that far from Jersey, but because

644
00:31:38,920 --> 00:31:41,360
Speaker 1: it's essence Fest time, you know, they hid the rates up.

645
00:31:41,560 --> 00:31:43,920
Speaker 1: But I share all that to say that the amount

646
00:31:44,120 --> 00:31:46,160
Speaker 1: I think maybe a round trip flight right now is

647
00:31:46,160 --> 00:31:48,960
Speaker 1: maybe like fourteen or fifteen hundred dollars. So I was

648
00:31:49,040 --> 00:31:52,680
Speaker 1: able to not have to pay that fourteen one hundred

649
00:31:52,760 --> 00:31:55,600
Speaker 1: dollars because I had points that I'd earned, so I

650
00:31:55,600 --> 00:31:58,320
Speaker 1: can't remember, Mandie, how much is our annual fee for?

651
00:31:58,560 --> 00:32:02,000
Speaker 2: So there's two versions. So I let's make this broader

652
00:32:02,040 --> 00:32:04,720
Speaker 2: than just a Chase card because so these luxury travel cards,

653
00:32:04,800 --> 00:32:07,520
Speaker 2: the top luxury ones, they typically have fees of four

654
00:32:07,600 --> 00:32:10,440
Speaker 2: hundred and fifty dollars, which is what the Chase Reserve has,

655
00:32:10,720 --> 00:32:12,440
Speaker 2: but they can be upwards of like five hundred and

656
00:32:12,440 --> 00:32:17,400
Speaker 2: fifty dollars on some cards. The lower tier Chase Sapphire

657
00:32:17,440 --> 00:32:20,320
Speaker 2: Preferred has a ninety five dollars annual fee, which is

658
00:32:20,320 --> 00:32:22,800
Speaker 2: the way. I think that's fine about Chase card.

659
00:32:23,120 --> 00:32:25,240
Speaker 1: Yeah, I think that might be the one I have

660
00:32:25,280 --> 00:32:26,800
Speaker 1: because I'm like fifty. I don't know if I paid

661
00:32:26,840 --> 00:32:29,440
Speaker 1: for fifty, but but you see, the math works out.

662
00:32:29,720 --> 00:32:31,960
Speaker 1: I get, you know, I use enough points to get

663
00:32:32,200 --> 00:32:35,520
Speaker 1: a few thousand dollars in free perks that are usable perks,

664
00:32:35,800 --> 00:32:38,000
Speaker 1: so it's worth that that payoff. So you just have

665
00:32:38,080 --> 00:32:40,560
Speaker 1: to ask yourself, like, you know, does it make sense,

666
00:32:42,040 --> 00:32:44,200
Speaker 1: like are you going to use a card enough to

667
00:32:44,840 --> 00:32:47,640
Speaker 1: outweigh what you're paying for it? And if not, then

668
00:32:47,680 --> 00:32:49,200
Speaker 1: it doesn't make sense. You might as well just get

669
00:32:49,200 --> 00:32:50,720
Speaker 1: a you know, travel card where it's not going to

670
00:32:50,800 --> 00:32:54,800
Speaker 1: charge you to you know, to to have it. Yeah,

671
00:32:54,840 --> 00:32:56,080
Speaker 1: So to me, it's all about the math.

672
00:32:56,720 --> 00:32:59,520
Speaker 2: Do the math and pick a card that fits your lifestyle.

673
00:32:59,520 --> 00:33:01,320
Speaker 2: Like if you really looking for a travel card because

674
00:33:01,320 --> 00:33:03,600
Speaker 2: you travel, but be honest, like how much do you travel?

675
00:33:03,680 --> 00:33:05,520
Speaker 2: And do an estimate of how much travel you have

676
00:33:05,560 --> 00:33:08,240
Speaker 2: coming up? And some cards give you like the Chase

677
00:33:08,280 --> 00:33:10,280
Speaker 2: card and other some other cards that Uber has a

678
00:33:10,320 --> 00:33:12,400
Speaker 2: new credit card, they give you points don just on travel,

679
00:33:12,440 --> 00:33:15,560
Speaker 2: but also dining out entertainment, so they're really like trying

680
00:33:15,560 --> 00:33:17,800
Speaker 2: to match lifestyles. So pick the card that fits your

681
00:33:17,840 --> 00:33:18,640
Speaker 2: lifestyle best.

682
00:33:18,720 --> 00:33:19,440
Speaker 1: But at the end of the.

683
00:33:19,520 --> 00:33:22,600
Speaker 2: Day, don't take out a card just because or don't

684
00:33:22,680 --> 00:33:25,040
Speaker 2: rack up stuff because you'll get addicted to the idea

685
00:33:25,080 --> 00:33:27,440
Speaker 2: of earning points. Because if you can't pay your card

686
00:33:27,440 --> 00:33:29,320
Speaker 2: off at the end of the month, like I guarantee you,

687
00:33:29,360 --> 00:33:32,080
Speaker 2: it's never going to be worth it. If you're carrying

688
00:33:32,120 --> 00:33:33,040
Speaker 2: a balance.

689
00:33:33,080 --> 00:33:34,920
Speaker 1: That's a good one. Oh look at that, that's a

690
00:33:34,960 --> 00:33:35,480
Speaker 1: good one.

691
00:33:35,840 --> 00:33:36,240
Speaker 2: Yeah.

692
00:33:36,280 --> 00:33:37,920
Speaker 1: Sorry, that was me in church, Like.

693
00:33:37,920 --> 00:33:42,240
Speaker 2: Yeah, yeah, I was like, oh something smart, okay.

694
00:33:43,720 --> 00:33:45,040
Speaker 1: You know, I don't think about that, Like, you're right,

695
00:33:45,040 --> 00:33:47,200
Speaker 1: if you're not paying it off every month, And in full.

696
00:33:47,280 --> 00:33:49,600
Speaker 1: Then it's like ooh, child, like you just paying on

697
00:33:49,640 --> 00:33:51,120
Speaker 1: paying on pains, so that's a good one.

698
00:33:51,840 --> 00:33:54,320
Speaker 2: Are hitting you with a fee up front, and then

699
00:33:54,360 --> 00:33:56,160
Speaker 2: they're going to be charging you interest on top of that.

700
00:33:56,200 --> 00:33:59,280
Speaker 2: Like these cards still have high interest rates even if

701
00:33:59,280 --> 00:34:01,240
Speaker 2: you have great credit like mine I think has a

702
00:34:01,280 --> 00:34:03,320
Speaker 2: seventeen percent interest rate. So if I ever let that

703
00:34:03,400 --> 00:34:07,560
Speaker 2: slip automatically, like, it won't be worth whatever I've you know,

704
00:34:07,680 --> 00:34:09,760
Speaker 2: gotten in terms of points and such. So be honest.

705
00:34:09,800 --> 00:34:11,840
Speaker 2: And if you have a history of racking up credit

706
00:34:11,840 --> 00:34:14,080
Speaker 2: card debt, you know you needed a personal loan before.

707
00:34:14,920 --> 00:34:18,880
Speaker 2: Just just recognize your weaknesses. Like I know myself and

708
00:34:18,920 --> 00:34:20,840
Speaker 2: I know that I need to have a conversation and

709
00:34:20,920 --> 00:34:23,280
Speaker 2: create my own mental credit limit that I can afford

710
00:34:23,280 --> 00:34:26,520
Speaker 2: to pay off each month, because I too, back in

711
00:34:26,560 --> 00:34:29,600
Speaker 2: the day, would get obsessed about just getting points points

712
00:34:29,640 --> 00:34:31,840
Speaker 2: points and whipping out that card anytime I had a

713
00:34:31,880 --> 00:34:35,120
Speaker 2: reason to and not paying attention to like how much

714
00:34:35,160 --> 00:34:40,720
Speaker 2: I was actually racking up. Okay, thank you for your question, ma'am.

715
00:34:40,760 --> 00:34:42,839
Speaker 2: Those are good questions. Again, you guys can hit us

716
00:34:42,880 --> 00:34:45,520
Speaker 2: up at Brianambis Podcast at gmail dot com with your

717
00:34:45,560 --> 00:34:48,880
Speaker 2: questions or go to our website, Briannambisson podcast dot.

718
00:34:48,680 --> 00:34:52,680
Speaker 1: Com dot com. Yeah, those are great questions. And if

719
00:34:52,719 --> 00:34:54,440
Speaker 1: you're going to be at Essence Fest, I hope to

720
00:34:54,440 --> 00:34:57,000
Speaker 1: see you. That's coming up?

721
00:34:57,160 --> 00:34:58,080
Speaker 2: Is that like next week?

722
00:34:58,160 --> 00:34:58,640
Speaker 1: When is that?

723
00:34:59,239 --> 00:34:59,479
Speaker 3: Uh?

724
00:34:59,560 --> 00:35:01,919
Speaker 1: That is is not this weekend but weekend after next.

725
00:35:01,960 --> 00:35:03,840
Speaker 1: But you know, it's never too early to prep for

726
00:35:03,960 --> 00:35:07,920
Speaker 1: Essence Fest. It's just a good time of beautiful brownness.

727
00:35:07,960 --> 00:35:10,800
Speaker 1: Like it's truly Essence Fest is like Brown Ambition person fide.

728
00:35:11,960 --> 00:35:14,600
Speaker 1: It's almost a half a million women that came last year.

729
00:35:14,600 --> 00:35:16,839
Speaker 1: I think four hundred and seventy thousand came last year.

730
00:35:17,840 --> 00:35:20,960
Speaker 1: It's an awesome music festival. But it's just also like

731
00:35:21,040 --> 00:35:24,719
Speaker 1: I mean, it's Nola. The food alone. Whoop the food alone,

732
00:35:25,080 --> 00:35:27,439
Speaker 1: just like just because it's Nola, not because it's Essence Fest.

733
00:35:27,560 --> 00:35:29,720
Speaker 2: It's always in New Orleans, right yeah.

734
00:35:29,640 --> 00:35:32,799
Speaker 1: Always mm hm. And yeah, it's gonna be a good

735
00:35:32,800 --> 00:35:34,480
Speaker 1: time and so hopefully I'll see some of you Brown

736
00:35:34,520 --> 00:35:36,640
Speaker 1: Ambition folks out here. I love it, nannycause more and

737
00:35:36,680 --> 00:35:38,840
Speaker 1: more when I come out, people are like, oh my god,

738
00:35:39,600 --> 00:35:42,279
Speaker 1: brod A Bishes tell maybe a Bi. I'm like, look

739
00:35:42,280 --> 00:35:44,000
Speaker 1: at brown A bushing out here in these streets.

740
00:35:44,040 --> 00:35:48,200
Speaker 2: She never takes me anywhere guys I don't can take

741
00:35:48,239 --> 00:35:50,240
Speaker 2: them anywhere fun. She doesn't want me to go. Honestly,

742
00:35:50,320 --> 00:35:53,719
Speaker 2: I can't. I there's I always think Essensfest, Oh I

743
00:35:53,719 --> 00:35:55,680
Speaker 2: should go, But it's always when you tell me this

744
00:35:55,760 --> 00:35:58,680
Speaker 2: time of year, every year, two weeks before when it's

745
00:35:58,719 --> 00:36:01,920
Speaker 2: too late. Tynique and I too have seventy thousand points

746
00:36:02,040 --> 00:36:02,799
Speaker 2: to flight.

747
00:36:02,920 --> 00:36:05,120
Speaker 1: Please girl, she owes me how life I was like,

748
00:36:05,160 --> 00:36:07,000
Speaker 1: whatever I asked for the answer is yes, do you

749
00:36:07,040 --> 00:36:07,880
Speaker 1: hear me, young lady?

750
00:36:08,760 --> 00:36:09,480
Speaker 2: Well, how good?

751
00:36:09,480 --> 00:36:10,080
Speaker 1: What are you doing?

752
00:36:10,600 --> 00:36:13,920
Speaker 2: We get nothing that exciting. Actually, this is another reason

753
00:36:14,040 --> 00:36:16,279
Speaker 2: Essence Fence messes me up, because we have I have

754
00:36:16,320 --> 00:36:20,440
Speaker 2: a standing glamping vacation with my best friends every July.

755
00:36:21,600 --> 00:36:23,720
Speaker 2: And I'm like, first of all, if you have adult friends,

756
00:36:23,840 --> 00:36:26,279
Speaker 2: everyone's everyone here's adults. But if you have friends at

757
00:36:26,280 --> 00:36:28,800
Speaker 2: this age, like it's really hard to get everyone together.

758
00:36:28,920 --> 00:36:31,480
Speaker 2: But I'm so proud of us because even though one

759
00:36:31,520 --> 00:36:34,640
Speaker 2: of us had one of our group, the couples in

760
00:36:34,680 --> 00:36:37,080
Speaker 2: our group had a kid in October, Like, we're still

761
00:36:37,080 --> 00:36:40,040
Speaker 2: doing this trip now. Granted it's really it's really like

762
00:36:40,120 --> 00:36:42,439
Speaker 2: gone downhill from camping, Like now we just don't even

763
00:36:42,440 --> 00:36:45,600
Speaker 2: camp anymore. It's like full on Airbnb, like there was

764
00:36:45,600 --> 00:36:47,359
Speaker 2: a there was a crisis because we didn't know if

765
00:36:47,360 --> 00:36:49,839
Speaker 2: there was central air conditioning or not and everything, like

766
00:36:50,160 --> 00:36:53,719
Speaker 2: I love. So it's not quite camping anymore. Like so,

767
00:36:53,920 --> 00:36:55,759
Speaker 2: but the fact is we still get together as a

768
00:36:55,760 --> 00:36:57,799
Speaker 2: group of friends and I'm I try and chair it.

769
00:36:58,080 --> 00:36:59,360
Speaker 2: I don't want to be the one to mess up

770
00:36:59,360 --> 00:37:02,440
Speaker 2: this trip. So maybe when Essence Fest is not fourth

771
00:37:02,440 --> 00:37:06,080
Speaker 2: of July, maybe one day I'll make it work. But literally,

772
00:37:06,080 --> 00:37:10,120
Speaker 2: like never, all right, fine, we'll continue to represent. You

773
00:37:10,160 --> 00:37:15,480
Speaker 2: should get some brand ambition of business cards, like contact sheets.

774
00:37:15,760 --> 00:37:16,279
Speaker 1: No, that's dope.

775
00:37:16,320 --> 00:37:18,080
Speaker 2: I can't wait to hear about it. You're you're you're

776
00:37:18,080 --> 00:37:19,040
Speaker 2: probably speaking right.

777
00:37:19,880 --> 00:37:22,839
Speaker 1: Yeah, I'm speaking on Friday and Saturday, and so I'm

778
00:37:22,840 --> 00:37:25,520
Speaker 1: speaking for Ford and I'm speaking for us and themselves,

779
00:37:25,560 --> 00:37:27,440
Speaker 1: and so it should be a really good time, a

780
00:37:27,520 --> 00:37:32,920
Speaker 1: good brown time, exciting. I'm gonna take some videos so

781
00:37:32,960 --> 00:37:35,200
Speaker 1: people when people say Mandy, I'm like, oh, you want

782
00:37:35,239 --> 00:37:37,680
Speaker 1: if they had a Mandy Let's record, so I can

783
00:37:37,719 --> 00:37:38,239
Speaker 1: send it to you.

784
00:37:38,360 --> 00:37:41,200
Speaker 2: Yeah, give me fomo. Yeah, definitely you should take over

785
00:37:41,239 --> 00:37:43,600
Speaker 2: our Instagram accounts. But you should, that's what you should do.

786
00:37:44,160 --> 00:37:45,960
Speaker 1: Right, what I have to do my own Instagram.

787
00:37:46,000 --> 00:37:48,040
Speaker 2: Fine, does a text me pictures and I'll post

788
00:37:48,040 --> 00:37:51,480
Speaker 1: Them all right,